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Is there anything that can be paid down to get that boost? Do you have credit cards you can pay off? Even paying off one may boost you that little bit.
We are finally homeowners!!
Closed May 5th-30 yr fixed at 5.25%.
@Anonymous wrote:
My DH and I were almost sent to underwriting because our LO has a lender that works with under 620, my DH's mid score is 616. But they just changed their guidelines for no lates within 12 months no matter what, so now we need a 4 point boost by friday or we either have to back out of our offer or not close on time.
If you can pay down a CC, then your lender should be able to do a rapid rescore, BUT be prepared to pay a couple hundred for it.
We are finally homeowners!!
Closed May 5th-30 yr fixed at 5.25%.
I have 0 CC debt, I paid them all down to 0, bt the have a $7 a month fee so i pay that so they still report it, i paid all collections off, i have no lates over the past year and I nead to gain 13 points by the end of next month so my LO can pull again I have TU at 676 and EQ at 607, who knows what EX is its usually lower then EQ though...
Any more ideas?
Hox,
What is keeping your EQ score down? What is the difference between all three CR? What are the negatives?